UNITED TRUST BANK
UNITED TRUST BANK is an FDIC-insured commercial bank headquartered in PALOS HEIGHTS, IL, established in 2000. As of , the bank reported total assets of $171M and total deposits of $121M. Profitability stands at 0.79% ROA and 8.73% ROE, with a net interest margin of 2.54%. CET1 capital ratio: 16.90%, well above regulatory minimums. NPL ratio: 0.14% · Texas Ratio: 1.22%. Operates 1 domestic branch.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
United Trust Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 16.90% | 0.79% | 0.14% | 1.22% | 2.54% |
| 2025-09-30 | 15.71% | 1.18% | 0.14% | 1.26% | 2.50% |
| 2025-06-30 | 15.03% | 0.78% | 0.08% | 0.79% | 2.47% |
| 2025-03-31 | 15.56% | 0.74% | 0.20% | 1.82% | 2.38% |
| 2024-12-31 | 14.91% | 1.32% | 0.20% | 1.88% | 2.26% |
| 2024-09-30 | 14.48% | 0.46% | 0.22% | 2.14% | 2.28% |
| 2024-06-30 | 15.56% | 0.61% | 0.26% | 2.35% | 2.23% |
| 2024-03-31 | 14.53% | 0.27% | 0.40% | 3.92% | 2.07% |
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Frequently asked about UNITED TRUST BANK
What are United Trust Bank's total assets?
As of the Q4 2025 filing, United Trust Bank reported total assets of $170.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Trust Bank headquartered?
United Trust Bank is headquartered in PALOS HEIGHTS, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Trust Bank founded?
United Trust Bank was established in 2000, per the FDIC institution directory.
Is United Trust Bank FDIC-insured?
Yes. United Trust Bank is an FDIC-insured commercial bank (FDIC Certificate #35393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Trust Bank?
United Trust Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Trust Bank's CET1 capital ratio?
United Trust Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.90% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does United Trust Bank operate?
United Trust Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is United Trust Bank's Texas Ratio?
United Trust Bank's Texas Ratio is 1.22% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.